1. Senior Retirement Services
Presenting
Retirement Investment Options
For your Future
Presented By
Senior Advisor
A. Cherie Kolinski

2. ANNUITIES AND BANK CERTIFICATES
ANNUITIES VS BANK CD’S
ANNUITIES AND BANK CERTIFICATES
WHAT ARE YOU GETTING AND WHAT ARE YOU NOT !

3. QUESTION: How Fast Will My Money Grow
QUESTION: How Fast Will My Money Grow ? ANSWER: Slower In A BANK CERTIFICARE Faster In An ANNUITY CERTIFICATE.
With an Annuity Certificate Your Interest is Tax Deferred This means you get to keep the money you would pay Uncle Sam .
You earn interest on that money until you choose to pay taxes on the Interest !
This gives you triple compounding on your money, something Banks can’t do !

4. WHEN COMPARING A BANK CERTIFICATE WITH AN ANNUITY CERTIFICATE……..
YOU WILL WANT ANSWERS TO A FEW IMPORTANT QUESTIONS

5. WHAT IS A BANK CERTIFICATE ? IT IS A LUMP SUM OF MONEY WITH A BANK.
WHAT IS AN ANNUITY CERTIFICATE ?
IT IS A LUMP SUM OF MONEY WITH AN INSURANCE COMPNY.

6. EXAMPLE BANK CERTIFICATE ANNUITY CERTIFICATE
$100,000 at 6% 35% tax Bracket
In ten years grows to $146,607
In 20 years $214,937
ANNUITY CERTIFICATE
$100,000 at 6% Tax Deferred
In ten years grows to $179,085
In 20 years $320,714

7. QUESTION: WHAT IF INTEREST RATES CHANGE ANSWER: IT DOES NOT MATTER IF RATES GO UP, DOWN OR JUST STAY THE SAME

8. EXAMPLE BANK CERTIFICATE: $100,000 at 6% $35,000 % Tax Bracket $6,000 Interest/ year Tax Collector gets $2,100 Investor left with $3, Actual Interest return is 3.9 %
ANNUITY CERTIFICATE:
$100,000 at 6 % Tax-deferred $6,000 interest/year
Tax Collector gets 0
Investor left with $6,000 Actual interest return is 6 %

9. Take control of your Finances
THERE IS NO COMPARISON ! ANNUITY CERTIFICATES CLEARLY OUT PERFORM BANK CERTIFICATES IN EVERY CATEGORY ! READ THE FACTS FOR YOURSELF !
Take control of your Finances

10. FACTS BANK CERTIFICATES CANNOT GIVE YOU TRIPPLE COMPOUNDING Interest on Principle Interest on Interest Interest on Savings
BANK CERTIFICATES
INTEREST CAN EFFECT OR REDUCE YOUR SOCIAL SECURITY

11. ANNUITY CERTIFICATES PROVIDE INCONTESTABILTY AT DEATH !
FACTS ANNUITY CERTIFICARES PASS ON TO YOU HEIRS PROBATE FREE ! DON’T LET LAWYERS AND THE TAX MAN GET MORE OF YOUR ESTATE THAN YOUR LOVED ONES !
ANNUITY CERTIFICATES PROVIDE INCONTESTABILTY AT DEATH !
Unlike a will, no one can contest your decision as to who will receive your money at the time of your death.

12. THE COST OF FDIC INSURANCE FOR BANK CERTIFICATES: People put their savings in BANK CERTIFICATES because they are ‘ F.D.I.C.” insured. Little do they realize the cost they are paying for this coverage. One out of every three years interest goes for taxes, plus all the other “catches “ the bank attaches to your BANK CERTIFICATE.
FACTS

13. SAFTEY INSURANCE COMPANIES VS THE BANK
INSURANCE COMPANIES ARE SAFE AND GUARANTEED
REGULATED BY STATE INSURANCE DEPARTMENTS.
MINIMUM CAPITOL AND SURPLUS CAPITOLREQUIREMENTS.
100 % MINIMUM RESERVE REQUIRED BY LAW.
FILING OF ANNUAL STATEMENT..
STATUTORY ACCOUNTING.
INVESTMENT RESTRICTIONS
GUAARANTY FUNDS.
ALL 50 STATES HAVE SOMETHING SIMIULAR TO F.D.I.C. FOR ANNUITY CERTIFICATES, THEY ARE CALLED “STATE GUARANTY FUNDS”

14. EXAMPLE IS F.D.I.C. FOR YOU ? CAN YOU AFFORD IT ? . $100,000 Premium
$8,000 Interest
28 % income Tax Bracket
$2,240 Tax paid to the government
$22,400 Tax paid to government over 10 years
IS F.D.I.C. FOR YOU ? CAN YOU AFFORD IT ?

15. ANNUITY CERTIFICATES Are safe and guaranteed by their reserves, with
“ billions of assets by the worlds largest life insurance companies”

16. OTHER ADVANAGES
Non-qualified funds get tax deferral and can earn much more.
There are no “renewable” surrender charges.
With a named beneficiary you avoid probate tax.
Free annual withdrawal provisions.
Life income guarantees
Annuity interest rates are usually higher then bank rates.
As you can see, when you become familiar with the facts, it make a lot of sense
to trust an insurance company.

17. BEFORE YOU SAY YES TO ANNUITY CERTIFICATES

18. WE CAN GIVE YOU A WHOLE LOT OF no’s NO LOADS NO FEES NO SALES CHARGES NO MARKET RISK NO TAX DURING ACCUMULATON NO CHARGE AGAINST SOCIAL SECURITY NO LACK OF SAFETY NO LACK OF LIQUIDITY
NO EXCUSES

19. WHICH LOCATION DO YOU WANT YOUR MONEY IN ?
LOCATION ONE TAXABLE BANK CERTIFICATES LOSE ONE OUT OF EACH THREE YEAR’S INTEREST TO TAXES
LOCATION TWO
TAX DEFERRED ANNUITY CERTIFICATES
YOU DECIDE WHEN YOU PAY TAXES

21. j THANK YOU FOR ATTENDING Cherie Kolinski
SENIOR RETIREMENT SERVICES